Posts Tagged with “Money Saving tips”

8 Effective Tips For Saving Money On Travel Insurance

Travel insurance is meant to save you from the financial crises when a trip is interrupted or canceled. Though travel insurance can be pricey, it can protect you from losing tons of money in an unforeseen situation. Travel insurance packages vary from provider to provider, but most of them include cover for illness, weather, and events that ruin your travel plans. Here are 8 working tips that can help you save bundles of cash on your next travel insurance policy.

 

  • Opt for Annual Policy if you are a frequent traveler

If you are someone who travels more than three times a year, it is advisable to choose annual travel insurance over single-trip travel insurance. Paying a one-time fee for the entire year’s travel can be a lot cheaper than buying single-trip policies. Post Office Travel Insurance provider offers up to 40% savings on annual multi-trip insurance.

 

  • Know what things are already covered

If you are booking a refundable trip, then you may not need to buy travel insurance in the first place as you will get your money back if you cancel your trip. Also, remember that some hotels and flights offer refundable booking options, slimming the value of travel insurance.

 

  • Check if anything is covered in your home insurance policy or credit card

Sometimes home insurance policies include coverage for your personal belongings while away from home. That means you can opt out baggage cover in your travel insurance which can save you considerable money. In addition, many rewards and credit cards also offer auto hire coverage, trip cancellation coverage and baggage delay coverage as cardholder benefits.

 

  • Compare prices online and shop around

Travel insurance plans are not one size fits all. You can tailor your own travel insurance plan to include what you need and exclude what you don’t need. Spend some time to research online and compare prices on price comparison websites. In this way, you will be able to find the least expensive policy that suits your needs.

 

  • Use travel insurance discount vouchers and deals

One of the best ways to save on travel insurance is finding respective deals and bargains. We offer a plethora of voucher codes from plenty of insurance service providers, such as Boots Travel Insurance, Leisureguard, Post Office and Alpha Travel insurance so you can get the best price for your desired policy. Using these free deals can help you save up to 40% on your policies.

 

  • Include only things that you need

While buying travel insurance, make sure you include only those things in the policy that you think need coverage. For instance, if you are not going to hire a car, then you don’t need car hire insurance. Or, if you are going on a domestic trip, then you don’t need to buy expensive international travel cover.

 

  • Pay attention to excess

An excess is an amount a policyholder needs to pay against a claim. Higher the amount of excess, cheaper the policy will be. For example, if you claim £400  for your stolen phone and the excess is £150, then the insurer will pay £250. So, make sure you carefully choose your excess. That is because the amount of excess will decide whether the claim is worth making or not.

 

  • Get an EHIC card if you are heading to Europe

If you are traveling to Europe, a European Health Insurance Card (EHIC) will give you access to low-cost or free state-provided healthcare in a medical emergency. Some travel insurance plans will also waive the excess amount for medical claims if you use the EHIC card for getting medical treatment. However, remember that EHIC card is the supplement to travel insurance and not an alternate.

 

Conclusion

While looking for ways to save on travel insurance, it is important to understand what you need in the policy and when buying travel insurance is a wise choice. Sometimes, you may not even need travel cover in the first place.

 

Top 10 Tips And Tricks For Every Shopper To Save Money

If you want to know secrets to save tons of money, then you have landed at the right place. We have some great tips and tricks for you that you can use for your spending advantage. Go ahead and dig into the top secrets to become a smart and savvy shopper.

 

 

  • Don’t rush to buy the latest

Many shoppers are eager to get their hands on the latest fashion and electronics. Buying anything as soon as it comes out means you are paying the top prices. Instead, wait some time for the price to stabilize. Many retailers drop down the prices of old stock when they are about to launch new products. It is wise to wait a while rather than paying a fortune.

 

  • Put items in the wish list

When you put items in the wish list, it notifies the merchant about your interest in those products. Retailers would want to close the deal, so they will find ways to come back to you. They may send you email regarding the price drop or discounts as their email marketing technique. Make sure you create a separate email account so you don’t miss out any promotions.

 

  • Check ByDiscountCodes for deals and discounts

The best way to save bundles of cash is to turn to ByDiscountCodes.co.uk. It is the quickest way to find great bargains from thousands of retailers like Debenhams, Laura Ashley, Argos and Currys. All you need to do is search for your favorite stores and you will instantly see the list of discount codes and vouchers. We regularly update deals in order to give you the best bargains.

 

  • Don’t forget to check clearance or sale section

Many retailers promote clearance sale and price reduction offers on their website to attract customers. Most merchants run this sale whole around the year, offering discounts and low prices across various departments. Therefore, we would suggest that you regularly check sale department so you don’t miss out anything.

 

  • Sign up for registration discounts and reward points

Many online merchants offer discounts when you sign up on their website. Moreover, you may also get to earn reward points on your purchases that may be available exclusively for members. The reason for giving reward points is to encourage their customers to shop again in the future. These reward points can be redeemed on the next purchase and you can get some amount off on your total order.

 

  • Pick up from store if there is no free delivery

You won’t always be lucky to receive free delivery. If you want to save on delivery costs, then you may take advantage of click and collect service. See if the retailer, where you are placing the order, allows you to pick your items from the nearest store. Sometimes, you can also receive your products the same day if they are already in stock.

 

  • Use price comparison websites

Using price comparison websites is the best way to find the lowest prices of your desired items. These websites list down prices from different online retailers, so you can compare prices of the same product from different sellers.

 

  • Browse social media

If you use Instagram, Twitter and Facebook, make sure you follow your favorite brands on social media. Companies today are creating deals and offers exclusively for their social media followers. However, be careful because fraudsters may post fake offers to lure their users.

 

  • Combine your purchases

If you are planning to buy a couple of things, make sure you combine your purchases into one order. Many online retailers offer extra discounts or provide free shipping if your order value exceeds certain amount. The amount may differ, but you are most likely to save some chunks of money.

 

  • Shop on the right day and right time

Prices vary throughout the week. That means some days that feature cheaper prices are better to buy certain products. For instance, Tuesday afternoon is the best time to buy clothing and travel tickets since that is when many retailers offer massive discounts. Also, shopping at the night time is preferred as everybody is asleep and there won’t be much traffic to affect the dynamic pricing.

8 Clever Tips To Save Money While Buying Christmas Gifts

We all tend to overspend on buying gifts for the occasion. Though, exchanging gifts increase affection and strengthens relationships, but there is no reason you should break your bank. Therefore, we have provided several ways that can help you save money on Christmas shopping and still get special gifts for everyone in your list.

 

 

#1 Create a list of recipients – First of all, create a list of the people you want to buy gifts for. Write down the names based on your interaction with them. You don’t necessarily need to buy physical gifts for everyone. Start by adding the names of your family and close friends, and don’t be afraid to trim down the people you haven’t interacted in the last 12 months.

 

#2 Stick to your budget – One of the important things to keep in mind while shopping for Christmas is your gift budget. Look how much you have got in your hand and stick to it. Don’t let your emotions end you up in debt. Remember your last year spending and decide how much you are willing to spend this year. Though Christmas comes once a year, it is not the only festival you would be buying gifts for.

 

#3 Prioritise the gift recipients – Once you have the gift list and the budget on your hand, set a priority of your spending. For example, if you are looking gifts for your father, you can go for a nice shirt or trouser. Go for fragrances and perfumes while buying for your friends. Debenhams is a good place to shop everything as it has a whole host of gift ideas in different categories available at incredible prices. If you can’t think of anything better, consider buying chocolates from chocolate sale at Thorntons that is just right for any occasion and budget.

 

#4 Look for stores that provide discounts – To make the most of your gift budget is to check for discounted stores and find great bargains. All the brands release out festive discounts, so you can shop more while spending less. Also, look for vouchers and promotional deals to maximize your savings. Be sure to browse different stores rather than sticking to only one store, so that you can compare the deals and get yourself the best rebate.

 

#5 Utilise your loyalty points – You may have earned reward points for all the spending you did in the past years. Now is the time to redeem your points in order to get some money off on your purchases. Many retailers give you massive savings against reward points, so be sure to make the most of your loyalty points.

 

#6 Have a DIY Christmas – If you are running low on budget, then consider DIY Christmas gifts. Hop on to YouTube and Instagram and get some ideas for art & crafts that you can give as Christmas presents. Search for materials right now and create something that simply stands out. This way you will not only be able to save huge money, but your gift will also touch the recipient’s heart directly.

 

#7 Purchase a combined gift – Instead of buying separate gifts for everyone, go for a slightly expensive gift for two or more people. Buy a gift that combines the interest of two or more. For instance, you can buy a board game for kids, so everyone can enjoy the same thing. This will help you save money while giving great presents.

 

#8 Look your closet for the gifts you have received – Many times we receive unwanted or repeated gifts, such as coffee mugs that we never use. Utilize those items and re-wrap them to take some burden off your shoulder. In this way, you will get rid of those products, have some room in your closet as well as delight your recipients. But, before wrapping them, make sure their condition is good and they haven’t been deteriorated.

 

Christmas is a stressful time for many with a tight budget or has a lot of people on the gift list. Avoid huge credit card bills by creating a shopping budget. Figure out how much you want to spend on each person, what you want to buy for them and always pay in cash.

How To Grab Christmas and New Year Discounts Online

While Christmas and New Year is just around the corner, it is the best time to hunt for bargains. Whether you are looking for jackets, coats and other winter clothing to home furniture, gifts or tech gadgets, this season can give you some big savings if you prepare in advance. If you want to be prepared like a savvy, seasoned sale shopper, here are a few things you need to do.

Top 9 Tips To Save Money On Your Christmas and New Year Shopping

 

 

#1 Start researching – If you need a specific item during the sale, you need to research a bit. You cannot just go online and find what’s on offer because a successful sale shopping needs time and effort. Prior to the starting of the sale, check out the product page and find out size, color, specs and returns policy. This will help you locate your product right away, making the shopping process faster during the sale.

#2 Browse social media – Many brands often promote their sale on social media like Facebook, Instagram, and Twitter. If you are a social media addict, then follow your favorite brands, so you can spot discounts and grab them before they disappear. Some brands release out exclusive bargains only for social media users, so make sure you stay active during the season.

#3 Subscribe to vouchers website – One of the best ways to save huge money is subscribing to discount vouchers website, like Bydiscountcodes. Subscribe to its free newsletter service and the website will inform you about the upcoming deals and special bargains through email. Moreover, you may also get additional discounts, student bargains, exclusive offers and loyalty points to help you save most of your money.

#4 Club your purchases – The other best way to boost your savings is to club your purchases. Create a list of items you want and try to buy everything at once. Many online stores offer extra discounts when the amount exceeds a certain value as a treat to delight their customers. You may also entitle to free delivery, thus, saving you chunks of money.

#5 Ask your family if they need anything – If you have just a thing or two to buy for yourself and it is not sufficient enough to give you desirable discounts, then ask your siblings and parents if they want anything. In this way, your order value will increase and ultimately it will help you get more discounts on your purchases.

#6 Set reminders – All the brands and online retailers announce the sale start date in advance. So, if you have an eye on a specific brand or specific items, be sure to set up a reminder in your phone. The sale usually starts around Christmas Eve and lasts until the New Year, and the alerts will enable you to snap up the bargain as soon as the sale begins.

#7 Know what to buy when – If you have clothes, tech, and gifts in the list, we suggest you to snap them up first. These are the items that go out of stock faster. When it comes to buying home furniture and appliances, it is suggested to wait because the prices of these items drop gradually. So, you are more likely to get them at lesser prices than original.

#8 Set up your account in advance – It is advisable that you create your account on the merchant’s website before you begin shopping. Provide complete contact and address details while creating your account, which will help you make the shopping process faster. During the festive sale, you may experience slow website speed due to increased traffic and you surely would not want to get stuck in between.

#9 Shop at midnight or early morning – Most of the season sales tend to commence at midnight. If you don’t want to miss out your favorite bargains, then this is the time to grab them. The time between midnight and early morning enables you to shop without any hassle as there are hardly any people who shop at this time.

 

 

These are the 9 shopping tips that are the most likely to work for any festive season sale. Do you have any better sales tip in mind? Comment down below.

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